BlastPoint's Banking Scorecard
PrinsBank
Prinsburg, MN
4 branches across MN
PrinsBank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 49.5% in tier
- + ROA 0.35% above tier average
- + Net Interest Margin 0.66% above tier average
- + Efficiency Ratio 11.88% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 51.0% in tier
- - Delinquency Rate 0.55% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$296.2M
+35.6% YoY
+41.0% QoQ
|
-$89.8M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
45% |
| Total Loans ? |
$173.0M
+47.0% YoY
+26.3% QoQ
|
-$82.7M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
42% |
| Total Deposits ? |
$255.9M
+40.8% YoY
+41.1% QoQ
|
-$72.1M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
46% |
| Return on Assets ? |
1.62%
-22.5% YoY
-16.7% QoQ
|
+0.35% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
74% |
| Net Interest Margin ? |
4.59%
-1.7% YoY
-1.9% QoQ
|
+0.66% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
85% |
| Efficiency Ratio ? |
53.41%
-13.2% YoY
-16.0% QoQ
|
-11.88% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
78% |
| Delinquency Rate ? |
1.44%
-55.6% YoY
+95.9% QoQ
|
+0.55% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
67.59%
+4.4% YoY
-10.5% QoQ
|
-9.05% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
19.06%
-16.3% YoY
-6.0% QoQ
|
-2.96% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.84%
-51.9% YoY
+75.5% QoQ
|
+0.20% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
24% |
| Tier 1 Capital Ratio ? |
16.69%
-26.4% YoY
+4.2% QoQ
|
+0.86% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.20%
-65.2% YoY
-91.5% QoQ
|
-0.08% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
Top 14.5% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.